If your thing is no frills car insurance

Terms & Conditions

Access and use of this website ("Website") and its content is subject to the following terms and conditions of use ("Website Terms of Use"). By accessing the Website you confirm that you have read, understood and accept these Website Terms of Use.
In these Website Terms of Use, "we", "us" and "our" means Hastings Insurance Services Limited and its subsidiary companies and trading styles (including Hastings Essential and Hastings Direct) and "you" and "your" means you, the Website user.
Company information
The Website is made available to you by Hastings Insurance Services Limited, having its registered office at Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW (registered in England and Wales no. 3116518).
Website Access and Availability
The Website, and the information and services provided on or through the Website, are directed at those who can access the Website from the United Kingdom and are intended for use solely by residents of United Kingdom. Any online services and information we provide to you at your request will be in respect of insurance policies, which are subject to English law. You must not use the Website or its content in countries where you are restricted or prohibited from doing so by local laws, regulations, codes and/or customs.
The Website is provided on an "as is" and "as available" basis and, whilst we have taken care in the preparation of the Website, we do not warrant that you will always have access to the Website (in whole or in part) or that access to the Website will be uninterrupted or error-free at all times. In addition, we do not warrant that your use of the Website or any material downloaded from it will not cause damage to any property, including, but not limited to, loss of data or computer virus infection.
Accuracy of Information
Whilst we have taken all reasonable steps to ensure that the information published on the Website is accurate and up to date, we give no warranty and make no representation regarding the reliability, accuracy and completeness of the information on the Website and we accept no liability for any errors or omissions.
Certain information on the Website is provided by third parties and you acknowledge and agree that neither we nor our suppliers have any control over the accuracy or completeness of such third party information.
Reliance on Information Posted
Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
Copyright and Use of Website
You acknowledge that the copyright in the Website and its entire content (including, but not limited to, design, graphical, auditory and text arrangements, database rights and other intellectual property rights) belongs to Hastings Insurance Services Limited or their related, affiliated or subsidiary companies. You may only use the Website for your own private non-professional use and not for commercial purposes. You may display, retrieve, print, copy or download the content of the Website in whole or in part for your personal use only. You may not otherwise transfer, copy, distribute, upload, transmit, modify, publish or reproduce the content of the Website in whole or in part in any material form without prior written consent from Hastings Insurance Services Limited or their related, affiliated or subsidiary companies.
Entry to, or interference with, the Website, with intent to corrupt, damage or deny service from the Website, or for any other commercial benefit, shall be taken seriously and we shall take such action as is necessary to protect the Website from any such activities in order to protect our intellectual property rights.
The names Hastings Insurance Services Limited, Hastings Essential, Hastings Direct and any other images, logos, icons and trademarks of Hastings Insurance Services Limited featured on the Website are the proprietary marks of Hastings Insurance Services Limited. The names, images, logos and icons of third party companies, products or services featured on the Website are or may be the trademarks of their respective owners.
Unless otherwise agreed in writing with us, nothing on the Website shall be deemed to confer on you any licence or right to use any featured name, image, logo or trademark and any such use may constitute an infringement of our, or a relevant third party's, rights as owner.
Use of your Personal Information
In using the Website you agree to be bound by our Privacy Policy which forms part of these Website Terms of Use and you understand and agree that any personal information (including sensitive information) you provide through your use of the Website will be dealt with in accordance with our Privacy Policy. To access our Privacy Policy please click on the 'Privacy Policy' link provided at the bottom of every page of the Website.
Limitation of liability
Nothing in these Website Terms of Use restricts or excludes our liability to you for death or personal injury caused by our negligence, or to the extent liability arises as a direct result of our fraud or wilful default.
Subject to the above, and as specified in these Website Terms of Use, we shall not be liable for any losses, damages, costs, claims, expenses or liabilities whatsoever (whether direct, indirect, special, consequential or otherwise) arising out of or in connection with:
  • the content of the Website
  • any unavailability of the Website or certain areas of the Website
  • any amendments or changes to the Website or its content
  • your use of the Website otherwise than in accordance with these Website Terms of Use
External Links to and from the Website
Some pages on the Website may contain hypertext links to websites not operated or maintained by us ("Third Party Websites") which we hope will be of interest to you. You are reminded that when you enter Third Party Websites by means of hypertext links from the Website you will leave the Website and will be subject to the terms and conditions and privacy policies of those Third Party Websites. Similarly, if you enter the Website by means of hypertext links from Third Party Websites you will be subject to these Website Terms of Use.
Hypertext links to Third Party Websites are provided for your convenience only. You acknowledge and agree that we do not endorse, and are not responsible in any way for the availability of, information or content displayed on, or software downloaded from, such Third Party Websites (including, without limitation, any advertisements about investment products and services) and we do not endorse or make any recommendation about products and services that are advertised or promoted on such Third Party Websites. We are not liable for any loss or damage which may arise from your use of any Third Party Websites.
E-mail communications
Messages sent over the internet cannot be guaranteed to be completely secure and may be subject to possible interception by third parties. For these reasons, please do not use email to send us communications that contain confidential information. We are not responsible for any messages sent over the internet and will not be liable to you or anyone else for any loss suffered in connection with any message sent over the internet. Please note that we are unable to provide insurance quotes and cover via email.
Amendments to Website Terms and Conditions
From time to time we may amend or update these Website Terms of Use and/or the content of the Website without informing you in advance. The Website will always display the current version of the Website Terms and Conditions. By using, and continuing to use, the Website you acknowledge that you accept any such amendments or updates and so we recommend that you review these Website Terms of Use and the content of the Website regularly.
Governing Law and Jurisdiction
These Website Terms of Use are governed by the law of England and Wales and subject to the jurisdiction of the courts of England and Wales.
Our website services and terms of business
We offer an online quotation service and an online cover service by means of the Website.
The range of insurance products featured on the Website are arranged and administered by, or on behalf of, Hastings Insurance Services Limited. We reserve the right to change without notice the insurer(s) used in connection with the Website.
When you access the Website these Website Terms of Use will apply in respect of our services. We recommend that you read our terms of business carefully and that you print out a copy for your records.
Policy documentation and information
If you wish to make use of one or more of our online services you will be taken through to the secure area of the Website (recognisable by 'https:' in the address bar of your browser) where you will have online access to documentation and information in respect of the policies we arrange and administer through the Website, including key policy information, policy terms and conditions and other important legal information.
Before applying for an online quotation or online cover you should read this documentation and information carefully to ensure that you understand the contents.
You may wish to print out this information and documentation for your records, although, should you choose to take out online cover through the Website, we will send you all documentation relating to your policy within 7 working days.
You may also find it helpful to consult our list of FAQs, which you can access from the 'FAQs' link on the Website's homepage.
What you have to pay for our services?
The figures below are the fees for our services only. Your insurer may also apply a premium for any ammendments to your policy.
Each fee is payable at the time of the transaction to which it relates.
Policy arrangement
Arranging your new policy£20
Additional charges are made for:
Postal delivery£5
Call centre arrangement fee£12.50
Arranging your car renewal£20
Arranging your bike renewal£5
Amendments to your policy made by you
Add / amend an accident or convictions£0
Amend vehicle security£0
Amend day time / over night parking£0
Amend mileage£0
Amend occupation£0
Amend name / marital status£0
Correct an error by one of our advisers£0
Adding / amending financial interest (home)£0
Change of registration number£20
All other amendments not listed above£25
Amendment to your policy made by our Business Administration Team
As part of our new business process our Business Administration Team will check your information and may have to make amendments to your policy to correct the information we hold. Any amendments made as a result of these checks will result in payment of our administration fee.£25
Cancellation (after 14 days) if you take up alternative cover from Hastings Direct£0
Cancellation (within 14 days)£25
Cancellation (after 14 days) £45
Duplicate documentation
Sent via e-mail or fax£0
Resent by post due to not being received within 6 weeks of the start of the policy£0
Sent via post£5
Failed payments
Direct Debit£20
Method of payment charge
Payments by debit card0%
Payments by credit card1.25%
If we give a discount on our fees and/or the insurer's premium at the inception of your policy, and the policy is subsequently cancelled, we shall be entitled to reduce the amount of any refund to enable us to reclaim the unused portion of the discount.